HSBC HSBC Live+ credit card
HSBCVisaCashback

HSBC Live+ credit card

10% cashback on dining, food delivery and groceries up to ₹1,000 a month; 1.5% elsewhere.

77
Personal score77/100● Strong fit
Recurring net savings₹11,262/yrafter fee, GST and caps · bills paid in full
First-year value₹10,983incl. ₹900 welcome, ₹1,179 joining fee
Effective savings rate3.4%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,179waiver at ₹2,00,000 spend
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: HSBC India – Live+ Credit Card · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹8,544/yr10% on dining, food delivery & groceries
Waived₹1,179 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.

Where the money comes from

₹11,262/yr · 3.4%
10% on dining, food delivery & grocerieson ₹85,440₹8,544
Base rate 1.5% on other spendson ₹1,57,200₹2,358
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 77 is built

weights total 100% · methodology
Net savings rate57/100 × 55%31.6
Usable lounge access100/100 × 15%15.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
4 per yeardomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1.5%value on eligible spend
⚡ Accelerated10% 10% on dining, food…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹1,179/yr incl. GSTwaived on ₹2,00,000 spend · joining ₹999
🎁 Welcome (year 1)≈ ₹900₹1,000 Amazon voucher on first transaction
🏁 Milestonesnone
✈️ Lounge✈4/yr dom🌏0 intl4 domestic visits/year
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Auto-credited to statement.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹4L+/yr; HSBC serviceable cities

At a glance

  • 10% on food and grocery – highest for everyday spend
  • Solid 1.5% base rate
  • 4 lounge visits
  • ₹1,000 monthly cap on 10%
  • Bills and insurance excluded
  • HSBC serviceable cities only

Compare HSBC Live+ with

Community Q&A on the HSBC Live+

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HSBC HSBC Live+?

Joining fee ₹999 and renewal fee ₹999, plus 18% GST (₹1,179 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.

Does the HSBC Live+ give airport lounge access?

4 domestic/yr. 4 domestic visits/year.

How much can I save with the HSBC Live+?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹11,262 a year, an effective savings rate of 3.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the HSBC Live+'s reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10% on dining, food delivery & groceries: capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.